IKONS

Budgetcoach. Your money, always in view.

Calculate your freelance income, create your financial plan and understand your cash flow.

Calculate your freelance rate

Free salary calculator

How much should you invoice to keep your salary?

Enter your current take-home salary and what you want to earn as a freelancer. See your revenue, daily rate and hourly rate instantly.

Net per month, as an employee

€ 1.500€ 7.000
Do you receive any additional benefits?

Net per month, including a buffer for holiday pay and a 13th month

€ 1.500€ 8.000
Adjust assumptions
200

200 days allows for holidays, public holidays and days without an assignment.

€ 600

Accountant, insurance, software, equipment and travel.

7,5%
  • Belgian sole trader, main occupation, income year 2026 (assessment year 2027).
  • Income tax: 25 / 40 / 45 / 50%. Tax-free allowance: €11,180.
  • Social contributions: 20.5% up to €75,025 and 14.16% up to €110,562. Minimum: €890.42 per quarter.
  • Both salaries use 13.5 months, including an equivalent for a 13th month and holiday pay. Benefits use 12 months.
  • All revenue and rates exclude VAT.

You need to invoice

€ 8.024per month, excl. VAT
Daily rate€ 481200 days/year
Hourly rate€ 60at 8 hours/day

To match your current salary and selected benefits: € 6.934 per month, excl. VAT or € 416 per day.

What you keep
€ 3.600
Taxes
€ 2.376
Social contributions
€ 1.448
Business costs per month
€ 600
Monthly revenue
€ 8.024

Set aside each month for taxes and social contributions: € 3.824 (48% of your revenue).

Is this rate realistic in your field? Discuss your figures with Pieter.

Book a free call30 minutes, no obligation.

An estimate, not tax advice. This simplified calculation does not cover your full personal situation. Discuss your figures and business structure with your accountant.

Freelancer reviewing financial planning on a laptop

What do you actually keep?

As a freelancer, your income varies from month to month. Your rate, costs and working days all affect what you keep.

An assignment may pay well, but when the money arrives matters too. Understanding your numbers helps you plan ahead.

Turn your numbers into a clear plan

Budgetcoach helps you calculate your freelance income, create a financial plan and understand your cash flow.

You enter your figures and expectations. The calculations give you insight to make decisions for your freelance business.

How it works

  • Map out your expected income and costs.
  • Calculate your freelance income and develop your financial plan.
  • Review your cash flow and adjust your plan as your situation changes.

Three tools to understand your money

01

Calculate freelance income

Understand what you could keep as a freelancer based on your income and costs.

02

Create a financial plan

Compare your expected income and expenses and create a plan for your freelance business.

03

Calculate cash flow

Map out when money comes in and goes out so you can plan ahead.

Get started with Budgetcoach

Jobcoach and Budgetcoach share one credit balance. Choose IKONS Go with 120 credits per month or IKONS Pro for unlimited use.